Unfortunately, an insurance company can find all sorts of reasons to deny your claim after a car accident. This is true even if it seems like you have an obvious case where fault for the crash was clear. Fortunately, you do not just have to accept a denial. A Monmouth County car accident lawyer from our firm can help you make your case.
When Can an Insurance Company Deny a Claim?
When you make a claim against another driver’s insurance policy, you are essentially blaming them for the accident. Their insurer is likely to disagree about fault, but that’s not the only reason why they might try to deny you compensation. They can also try to argue that:
- You were injured, but in another situation and not this car accident
- You have injuries, but they stem from a pre-existing condition
- Your medical treatments were inessential and unnecessary
Can My Own Insurer Deny My Claim?
Adding to the potential headaches for accident victims, their own insurance company could end up denying their claims. A claim could be denied due to a lack of a certain type of coverage or a policy limit on damages. In any case, you should get the opportunity to challenge this initial rejection of your claim.
Can I Submit an Appeal?
Yes, you can appeal the insurance company’s decision to deny your claim. Sometimes it’s as simple as fixing the kind of claim you make, like when you try to go through the wrong kind of coverage on your own policy. In other situations, you have to really go to the effort of making a strong case to the insurer and showing why you deserve compensation.
What Kind of Evidence Can Help Me Convince an Insurance Company to Accept My Claim?
Some evidence that can help make your case include:
- Photographs of the accident scene and vehicle damage
- Video footage of the crash
- Medical records
- A copy of the police report written at the scene
- Testimony from witnesses to the crash
Sometimes the overwhelming evidence can be convincing enough to change an adjuster’s mind. This doesn’t always work though.
When Can I Sue For Damages?
If you have made your appeal and still have not received the compensation that you deserve, suing for damages is the next step. This can bring an insurance company to the table to negotiate. Hopefully, this can mean that you’ll reach a settlement. If not, our lawyers are ready to take this all the way to trial. That’s a rarity in cases like these, but we’re prepared for it and we can make sure that you’re ready for it too.
Talk to an Attorney Today
So if you are getting frustrated with the insurance companies and their reluctance to pay you what you are owed, contact the Falcon Law Firm. We can help you take the fight to these insurers and make your case for fair compensation.
